O impacto da livre admissão de associados sobre o desenvolvimento das cooperativas de crédito

Abstract

Credit unions are similar to conventional banks, but have operational limitations. Moreover, cooperatives, since 1965, are targeted species. Only in 2003 was the permission rules to form unions free admission of members, who own constitution and operation requirements stricter than the other species. We seek to identify, through research, that the cooperatives operate in the same relevant market as conventional banks, and the free admission of members positively affected the growth of the national cooperative system. Moreover, discourse about the legal benefits granted to cooperatives, as both labor tax, and the reasons for its maintenance. Data analysis showed that cooperatives operate in the same relevant market as conventional banks, and the free admission of members positively affected the growth of the cooperative system analyzed.